The Bank & Trust Mortgage Rates, Fees & Info
Del Rio, TXLEI: 549300DNUPSQ3UW3EM09
Tax ID: 74-0588337
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Mortgage Data
Bank Data
Review & Overview
The Bank & Trust is a smaller bank specializing in Home Purchase loans. The Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Del Rio, San Angelo, Dallas, Uvalde, and San Antonio among others. We have data for 14 markets. (Some data included below & more in-depth data is available with an active subscription.)The Bank & Trust has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
188Origination Dollar Volume (All Markets)
$29,560,000Employee count
120Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Del Rio, TX (FHA|USDA|VA) | 85 | $11,305,000 | $133,000 | $0 | 0.00% |
| SAN ANGELO, TX (FHA|USDA|VA) | 51 | $10,285,000 | $201,667 | $0 | 0.00% |
| Outside of Metro Areas | 35 | $3,785,000 | $108,143 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $0 | 0.00% |
| Uvalde, TX (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 0.00% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $0 | 0.00% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| Eagle Pass, TX (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 188 | $29,560,000 | $157,234 | $0 | 0.00% |
For 2018, The Bank & Trust's most frequently originated type of loan was Conventional, with 188 originations.
Loan Reason
For 2018, The Bank & Trust's most frequently cited loan purpose was Home Purchase, with 134 originations. The 2nd most popular reason was Cash Out Refi, with 22 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 188 | $29,560,000 | $157,234 | $0 | 0.00% |
For 2018, The Bank & Trust's most frequently cited loan duration was Other, with 188 originations.
Loan Sizing
2018 saw The Bank & Trust place emphasis on $100,000 or less loans with 73 originations, totaling $4,375,000 in origination value.
Applicant Income
The Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 55 originations. The second most popular income band? $75k-100k, with 36 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 188 | $29,560,000 | $157,234 | $0 | 0.00% |
The Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 188 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.34%
The Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination84.04%
The Bank & Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 188 | $29,560,000 | $157,234 |
Occupancy Type Mix
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 10 | 9.8% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Closing on a mortgage | 4 | 3.9% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Incorrect information on your report | 1 | 1.0% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Struggling to pay mortgage | 6 | 5.9% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Trouble during payment process | 30 | 29.4% |
| TD BANK US HOLDING COMPANY | FHA mortgage | Incorrect information on your report | 1 | 1.0% |
| TD BANK US HOLDING COMPANY | FHA mortgage | Struggling to pay mortgage | 4 | 3.9% |
| TD BANK US HOLDING COMPANY | FHA mortgage | Trouble during payment process | 1 | 1.0% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 8 | 7.8% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 3 | 2.9% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Incorrect information on your report | 1 | 1.0% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Problem with a credit reporting company's investigation into an existing problem | 1 | 1.0% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 3 | 2.9% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Trouble during payment process | 14 | 13.7% |
| TD BANK US HOLDING COMPANY | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 1.0% |
| TD BANK US HOLDING COMPANY | Other type of mortgage | Closing on a mortgage | 3 | 2.9% |
| TD BANK US HOLDING COMPANY | Other type of mortgage | Struggling to pay mortgage | 4 | 3.9% |
| TD BANK US HOLDING COMPANY | Other type of mortgage | Trouble during payment process | 7 | 6.9% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| The Bank and Trust, S.S.B. | 102 North St Brackettville, TX 78832 | Full Service B&M | $25,527 |
| The Bank and Trust, S.S.B. | 1200 Avenue F Del Rio, TX 78840 | Limited, Drive-thru | $0 |
| The Bank and Trust, S.S.B. | 1200 Avenue F Del Rio, TX 78840 | Full Service B&M | $223,452 |
| The Bank and Trust, S.S.B. | 1200 Veterans Blvd. Del Rio, TX 78840 | Limited, Administrative | $0 |
| The Bank and Trust, S.S.B. | 1460 Knickerbocker Road San Angelo, TX 76904 | Full Service B&M | $54,452 |
| The Bank and Trust, S.S.B. | 229 Highway 277 North Sonora, TX 76950 | Full Service B&M | $46,148 |
| The Bank and Trust, S.S.B. | 2399 Bedell Avenue Del Rio, TX 78840 | Full Service B&M | $15,073 |
For 2018, The Bank & Trust had 7 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $16,077 |
| Net interest income | $14,641 |
| Total noninterest income | $5,959 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $1,018 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $4,941 |
| Pre-tax net operating income | $3,644 |
| Securities gains (or losses, -) | $15 |
| Income before extraordinary items | $3,659 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $3,659 |
| Minority interest net income | $0 |
| Net income | $3,659 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $3,644 |
The Bank & Trust's gross interest income from loans was $16,077,000.
The Bank & Trust's net interest income from loans was $14,641,000.
The Bank & Trust's fee based income from loans was $1,018,000.
The Bank & Trust's net income from loans was $3,659,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $1,436 |
| Provision for credit losses | $75 |
| Total noninterest expense | $16,881 |
| Salaries and employee benefits | $9,227 |
| Premises and equipment expense | $2,280 |
| Additional noninterest expense | $5,374 |
| Applicable income taxes | $0 |
| Net charge-offs | $31 |
| Cash dividends | $4,074 |
The Bank & Trust's interest expense for loans was $1,436,000.
The Bank & Trust's payroll and benefits expense were $9,227,000.
The Bank & Trust's property, plant and equipment expenses $2,280,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $371,755 |
| Deposits held in domestic offices | $371,755 |
| Deposits by Individuals, partnerships, and corporations | $317,104 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $53,382 |
| Deposits by Commercial banks and other depository institutions in U.S. | $1,269 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $172,495 |
| Demand deposits | $124,835 |
| Nontransaction accounts | $199,260 |
| Money market deposit accounts (MMDAs) | $110,370 |
| Other savings deposits (excluding MMDAs) | $32,784 |
| Total time deposits | $56,105 |
| Total time and savings deposits | $246,920 |
| Noninterest-bearing deposits | $132,704 |
| Interest-bearing deposits | $239,051 |
| Retail deposits | $354,867 |
| IRAs and Keogh plan accounts | $3,920 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $412,654 |
| Cash & Balances due from depository institutions | $12,448 |
| Interest-bearing balances | $5,611 |
| Total securities | $94,677 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $278,581 |
| Loan and leases loss allowance | $1,971 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $9,274 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $2,473 |
| All other assets | $15,201 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $412,654 |
| Total Liabilities | $374,236 |
| Total deposits | $371,755 |
| Interest-bearing deposits | $239,051 |
| Deposits held in domestic offices | $371,755 |
| % insured (estimated) | $77 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $2,481 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $278,581 |
| Loan and leases loss allowance | $1,971 |
| Total loans and leases (domestic) | $280,552 |
| All real estate loans | $224,819 |
| Real estate loans in domestic offices | $224,819 |
| Construction and development loans | $14,331 |
| Residential 1-4 family construction | $3,434 |
| Other construction, all land development and other land | $10,897 |
| Loans secured by nonfarm nonresidential properties | $32,782 |
| Nonfarm nonresidential secured by owner-occupied properties | $12,384 |
| Commercial real estate & other non-farm, non-residential | $20,398 |
| Multifamily residential real estate | $9,447 |
| 1-4 family residential loans | $157,915 |
| Farmland loans | $10,344 |
| Loans held in foreign offices | $0 |
| Farm loans | $1,837 |
| Commercial and industrial loans | $21,342 |
| To non-U.S. addressees | $4,405 |
| Loans to individuals | $12,253 |
| Credit card loans | $0 |
| Related Plans | $1,370 |
| Consumer Auto Loans | $4,259 |
| Other loans to individuals | $6,624 |
| All other loans & leases | $20,302 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $37 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $0 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
The Bank & Trust had $278,581,000 of loans outstanding in 2018. $224,819,000 of loans were in real estate loans. $14,331,000 of loans were in development loans. $9,447,000 of loans were in multifamily mortgage loans. $157,915,000 of loans were in 1-4 family mortgage loans. $1,837,000 of loans were in farm loans. $0 of loans were in credit card loans. $4,259,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 136 | $20,888 | $153,588 |
| Nonfarm, nonresidential loans - <$100k | 42 | $1,638 | $39,000 |
| Nonfarm, nonresidential loans - $100-250k | 60 | $7,283 | $121,383 |
| Nonfarm, nonresidential loans - $250k-1MM | 34 | $11,967 | $351,971 |
| Commercial & Industrial, US addressed loans - <$1MM | 353 | $16,347 | $46,309 |
| Commercial & Industrial, US addressed loans - <$100k | 289 | $6,228 | $21,550 |
| Commercial & Industrial, US addressed loans - $100-250k | 40 | $4,005 | $100,125 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 24 | $6,114 | $254,750 |
| Farmland loans - <$1MM | 32 | $3,543 | $110,719 |
| Farmland loans - <$100k | 13 | $499 | $38,385 |
| Farmland loans - $100-250k | 12 | $1,489 | $124,083 |
| Farmland loans - $250k-1MM | 7 | $1,555 | $222,143 |
| Agriculture operations loans - <$1MM | 64 | $1,837 | $28,703 |
| Agriculture operations loans - <$100k | 56 | $1,090 | $19,464 |
| Agriculture operations loans - $100-250k | 7 | $742 | $106,000 |
| Agriculture operations loans - $250k-1MM | 1 | $5 | $5,000 |